Household Financial Patterns Report
 
 
Attribute Benchmark
CANADA
Trade Area 
Value Percentage Compared with
Benchmark
       
    Population of age 15 and up  30,920,900  39,579    
Personal Savings and Investments        
    Total value savings/investments-Nothing  13.98%  5,372  13.57%  Similar
    Total value savings/investments-$1 to $5,000  14.89%  6,459  16.32%  Similar
    Total value savings/investments-$5,001 to $10,000  6.95%  3,026  7.65%  Similar
    Total value savings/investments-$10,001 to $20,000  7.79%  2,626  6.64%  Low
    Total value savings/investments-$20,001 to $50,000  12.11%  4,539  11.47%  Similar
    Total value savings/investments-$50,001 to $100,000  12.58%  4,854  12.26%  Similar
    Total value savings/investments-$100,001 to $250,000  13.53%  5,114  12.92%  Similar
    Total value savings/investments-$250,001 to $500,000  9.54%  3,896  9.84%  Similar
    Total value savings/investments-Over $500,000  8.64%  3,694  9.33%  Similar
Personal Debts        
    Total personal debts-None/no debts or liabilities  40.15%  16,598  41.94%  Similar
    Total personal debts-$1 to $15,000  18.32%  8,826  22.30%  High
    Total personal debts-$15,001 to $25,000  6.30%  2,182  5.51%  Low
    Total personal debts-$25,001 to $50,000  6.90%  2,458  6.21%  Similar
    Total personal debts-$50,001 to $100,000  7.75%  2,213  5.59%  Low
    Total personal debts-$100,001 to $200,000  10.26%  3,398  8.59%  Low
    Total personal debts-$200,001 to $300,000  6.07%  2,345  5.92%  Similar
    Total personal debts-$300,001 to $500,000  3.07%  1,156  2.92%  Similar
    Total personal debts-$500,001 or more  1.19%  403  1.02%  Low
    Financial Svc/Investment Use cash adv./cheque cash svc past - Yes  2.32%  1,195  3.02%  High
Used the Following Institutions for Any Financial Services in the past 12 Months        
    Banking at: BMO Bank of Montreal  17.63%  7,451  18.82%  Similar
    Home Banking at: BMO Bank of Montreal  9.40%  4,005  10.12%  Similar
    Also Banking at: BMO Bank of Montreal  8.23%  3,446  8.71%  Similar
    Banking at: Caisse Populaire Desjardins  13.36%  2,912  7.36%  Low
    Home Banking at: Caisse Populaire Desjardins  9.81%  2,707  6.84%  Low
    Also Banking at: Caisse Populaire Desjardins  3.55%  206  0.52%  Extremely Low
    Banking at: CIBC  18.21%  9,221  23.30%  High
    Home Banking at: CIBC  10.66%  5,354  13.53%  High
    Also Banking at: CIBC  7.55%  3,867  9.77%  High
    Banking at: HSBC Bank Canada  1.08%  755  1.91%  High
    Home Banking at: HSBC Bank Canada  0.41%  254  0.64%  High
    Also Banking at: HSBC Bank Canada  0.67%  501  1.27%  Extremely High
    Banking at: Laurentian Bank  1.26%  434  1.10%  Low
    Home Banking at: Laurentian Bank  0.85%  323  0.82%  Similar
    Also Banking at: Laurentian Bank  0.42%  111  0.28%  Low
    Banking at: National Bank of Canada  5.82%  834  2.11%  Extremely Low
    Home Banking at: National Bank of Canada  3.26%  289  0.73%  Extremely Low
    Also Banking at: National Bank of Canada  2.56%  545  1.38%  Low
    Banking at: President's Choice Financial  7.06%  4,602  11.63%  High
    Home Banking at: President's Choice Financial  3.40%  2,215  5.60%  High
    Also Banking at: President's Choice Financial  3.66%  2,388  6.03%  High
    Banking at: RBC Royal Bank  26.13%  10,327  26.09%  Similar
    Home Banking at: RBC Royal Bank  16.54%  6,546  16.54%  Similar
    Also Banking at: RBC Royal Bank  9.59%  3,781  9.55%  Similar
    Banking at: Scotiabank  16.01%  7,760  19.61%  High
    Home Banking at: Scotiabank  8.53%  4,284  10.82%  High
    Also Banking at: Scotiabank  7.48%  3,477  8.78%  High
    Banking at: Tangerine  5.72%  4,353  11.00%  Extremely High
    Home Banking at: Tangerine  0.60%  440  1.11%  Extremely High
    Also Banking at: Tangerine  5.12%  3,913  9.89%  Extremely High
    Banking at: TD Canada Trust  25.28%  15,212  38.44%  High
    Home Banking at: TD Canada Trust  15.22%  10,003  25.27%  High
    Also Banking at: TD Canada Trust  10.06%  5,210  13.16%  High
    Banking at: Other online/Internet bank  1.83%  889  2.25%  High
    Home Banking at: Other online/Internet bank  0.26%  77  0.19%  Low
    Also Banking at: Other online/Internet bank  1.58%  812  2.05%  High
    Banking at: Other Banks  3.60%  951  2.40%  Low
    Home Banking at: Other Banks  1.36%  216  0.55%  Extremely Low
    Also Banking at: Other Banks  2.24%  735  1.86%  Low
    Banking at: Other - Credit unions/caisses populaires/d'économie  13.43%  2,966  7.49%  Low
    Home Banking at: Other - Credit unions/caisses populaires/d'économie  6.99%  1,141  2.88%  Extremely Low
    Also Banking at: Other - Credit unions/caisses populaires/d'économie  6.44%  1,824  4.61%  Low
    Banking at: Other Trust companies  1.18%  325  0.82%  Low
    Home Banking at: Other Trust companies  0.18%  57  0.14%  Low
    Also Banking at: Other Trust companies  1.00%  269  0.68%  Low
Doing Investment with        
    Investment with: Bank  45.11%  20,076  50.72%  High
    Investment with: Credit union/caisses populaires/d'économie  10.75%  1,854  4.68%  Extremely Low
    Investment with: Discount broker  2.56%  1,525  3.85%  High
    Investment with: Financial planner  19.68%  7,170  18.12%  Similar
    Investment with: Full service investment broker  7.50%  2,999  7.58%  Similar
    Investment with: Insurance company  6.28%  2,871  7.25%  High
    Investment with: Mutual fund company  8.52%  3,250  8.21%  Similar
    Investment with: Trust company  1.77%  981  2.48%  High
Changed Financial Institutions for Investment in the Past 2 Years        
    Changed Financial Institutions for Investment in the Past 2 Years: No  94.33%  37,078  93.68%  Similar
    Changed Financial Institutions for Investment in the Past 2 Years: Yes  5.67%  2,501  6.32%  High
Financial Products and/or Services        
    An automobile loan  20.37%  5,432  13.72%  Low
    Banking services package  32.31%  10,430  26.35%  Low
    Bankruptcy service  0.51%  228  0.58%  High
    Canada Savings Bonds  7.14%  2,626  6.64%  Similar
    Debt consolidation  1.29%  416  1.05%  Low
    Guaranteed Investment Certificates  16.22%  6,405  16.18%  Similar
    Investment real estate  3.96%  1,258  3.18%  Low
    A mortgage  29.81%  9,266  23.41%  Low
    Mutual funds  31.35%  12,878  32.54%  Similar
    Personal line of credit  42.81%  15,289  38.63%  Similar
    Personal overdraft protection  25.52%  9,700  24.51%  Similar
    Registered Education Savings Plan (RESP)  16.35%  5,475  13.83%  Low
    Registered Retirement Income Fund (RRIF)  14.79%  5,124  12.95%  Low
    Registered Retirement Savings Plan (RRSP)  64.39%  24,551  62.03%  Similar
    Reverse mortgage  0.34%  93  0.23%  Low
    RSP loan  2.03%  494  1.25%  Low
    Senior services bank plan  8.22%  2,997  7.57%  Similar
    Small business loan  0.61%  203  0.51%  Low
    Stocks  14.73%  7,470  18.87%  High
    Term deposits  10.02%  2,129  5.38%  Low
    Will/Estate planning  13.39%  4,844  12.24%  Similar
    Other bonds  3.03%  1,460  3.69%  High
    Other personal loan  3.63%  1,201  3.03%  Low
Used the Following Financial Services in the Past Month        
    Automated bank teller machine  76.85%  30,039  75.90%  Similar
    Debit card for purchases  71.76%  26,846  67.83%  Similar
    Debit quick pay card (e.g. Dexit)  4.38%  1,804  4.56%  Similar
    Gas station quick pay card (e.g. Esso)  5.65%  2,869  7.25%  High
    Telephone banking  11.21%  5,828  14.72%  High
    Online/Internet banking  53.13%  22,073  55.77%  Similar
    Online/Internet stock trading  4.96%  2,242  5.66%  High
Frequency of Using Financial Services        
    Used Automated bank teller machine: Once a month  16.52%  5,762  14.56%  Low
    Used Automated bank teller machine: 2-3 times a month  32.13%  12,500  31.58%  Similar
    Used Automated bank teller machine: Once a week  18.35%  7,490  18.92%  Similar
    Used Automated bank teller machine: 2-6 times a week  9.04%  4,102  10.36%  High
    Used Automated bank teller machine: At least once a day  0.81%  185  0.47%  Low
    Used Debit card for purchases: Once a month  7.97%  3,331  8.42%  Similar
    Used Debit card for purchases: 2-3 times a month  15.44%  6,396  16.16%  Similar
    Used Debit card for purchases: Once a week  10.52%  4,366  11.03%  Similar
    Used Debit card for purchases: 2-6 times a week  29.68%  10,373  26.21%  Low
    Used Debit card for purchases: At least once a day  8.16%  2,379  6.01%  Low
    Used Debit quick pay card (e.g. Dexit): Once a month  0.69%  452  1.14%  High
    Used Debit quick pay card (e.g. Dexit): 2-3 times a month  1.17%  408  1.03%  Low
    Used Debit quick pay card (e.g. Dexit): Once a week  0.94%  373  0.94%  Similar
    Used Debit quick pay card (e.g. Dexit): 2-6 times a week  1.23%  503  1.27%  Similar
    Used Debit quick pay card (e.g. Dexit): At least once a day  0.36%  67  0.17%  Extremely Low
    Used Gas station quick pay card (e.g. Esso Speedpass): Once a month  1.25%  591  1.49%  High
    Used Gas station quick pay card (e.g. Esso Speedpass): 2-3 times a month  2.45%  1,259  3.18%  High
    Used Gas station quick pay card (e.g. Esso Speedpass): Once a week  1.50%  798  2.02%  High
    Used Gas station quick pay card (e.g. Esso Speedpass): 2-6 times a week  0.43%  219  0.55%  High
    Used Gas station quick pay card (e.g. Esso Speedpass): At least once a day  0.02%  3  0.01%  Extremely Low
    Used Telephone banking: Once a month  4.34%  2,110  5.33%  High
    Used Telephone banking: 2-3 times a month  4.14%  2,424  6.13%  High
    Used Telephone banking: Once a week  1.57%  605  1.53%  Similar
    Used Telephone banking: 2-6 times a week  0.96%  550  1.39%  High
    Used Telephone banking: At least once a day  0.20%  139  0.35%  High
    Used Online/Internet banking: Once a month  7.64%  3,164  7.99%  Similar
    Used Online/Internet banking: 2-3 times a month  19.42%  7,972  20.14%  Similar
    Used Online/Internet banking: Once a week  13.64%  5,278  13.33%  Similar
    Used Online/Internet banking: 2-6 times a week  10.41%  4,825  12.19%  High
    Used Online/Internet banking: At least once a day  2.02%  835  2.11%  Similar
    Used Online/Internet stock trading: Once a month  1.93%  940  2.37%  High
    Used Online/Internet stock trading: 2-3 times a month  1.55%  582  1.47%  Similar
    Used Online/Internet stock trading: Once a week  0.63%  407  1.03%  High
    Used Online/Internet stock trading: 2-6 times a week  0.63%  208  0.52%  Low
    Used Online/Internet stock trading: At least once a day  0.22%  106  0.27%  High
RRSP Contribution        
    Max RRSP Contribution -No  39.90%  14,047  35.49%  Low
    Max RRSP Contribution -Yes  11.49%  5,412  13.67%  High
    Max RRSP - Don't have RRSP  31.20%  13,254  33.49%  Similar
    Amt contrib. to RRSP/avg yr - Don't have RRSP  35.87%  14,991  37.88%  Similar
    Amt contrib. to RRSP/avg yr - Under $2,500  28.36%  10,591  26.76%  Similar
    Amt contrib. to RRSP/avg yr - $2,501 - $5,000  12.24%  4,745  11.99%  Similar
    Amt contrib. to RRSP/avg yr - $5,001 - $10,000  7.17%  3,017  7.62%  Similar
    Amt contrib. to RRSP/avg yr - Over $10,000  3.77%  1,522  3.85%  Similar
Donated to Charities in the Past 12 Months        
    Donation in the past 12 months: Nothing  27.11%  10,768  27.21%  Similar
    Donation in the past 12 months: $1 - $20  10.62%  3,308  8.36%  Low
    Donation in the past 12 months: $21 - $50  11.71%  3,857  9.74%  Low
    Donation in the past 12 months: $51 - $100  14.47%  5,599  14.15%  Similar
    Donation in the past 12 months: $101 - $500  20.59%  8,417  21.27%  Similar
    Donation in the past 12 months: More than $500  15.50%  7,630  19.28%  High
Credit Cards        
    American Express - Standard  10.39%  4,528  11.44%  Similar
    American Express - Gold/Platinum  4.92%  2,486  6.28%  High
    Mastercard - Standard  46.30%  18,987  47.97%  Similar
    Mastercard - Gold/Platinum  9.80%  2,794  7.06%  Low
    Visa - Standard  54.77%  23,121  58.42%  Similar
    Visa - Gold/Platinum  15.70%  5,973  15.09%  Similar
    Credit card: Hudson's Bay  15.12%  9,341  23.60%  High
    Credit card: Sears  20.71%  6,537  16.52%  Low
    Credit card: Other department store card(s) - Standard  7.55%  2,899  7.32%  Similar
    Credit card: Gas service station card(s) - Standard  6.29%  3,378  8.53%  High
    Credit card: Travel & entertainment card(s) - Standard  1.58%  692  1.75%  Similar
Personal Income Tax Return Preparation        
    Services used for tax return-Self/friend/relative  47.93%  19,670  49.70%  Similar
    Services used for tax return-Accountant  30.95%  10,404  26.29%  Low
    Services used for tax return-Professional financial advisor  2.55%  1,136  2.87%  High
    Services used for tax return-Tax preparation service  11.12%  5,163  13.04%  High
    Services used for tax return-Other type of service(s)  2.29%  1,218  3.08%  High
    Services used for tax return-Have never filed a Canadian income tax return  5.17%  1,989  5.03%  Similar
    Most recent tax return online-Yes  73.04%  28,079  70.94%  Similar
Insurance        
    Automobile insurance  79.40%  26,429  66.77%  Low
    Group health/disability insurance  46.50%  15,872  40.10%  Low
    Group life insurance  31.71%  10,569  26.70%  Low
    Home insurance  68.99%  25,699  64.93%  Similar
    Mortgage insurance  17.06%  3,881  9.81%  Low
    Pet insurance  1.41%  584  1.48%  Similar
    Private disability/health insurance  16.78%  4,682  11.83%  Low
    Private life insurance  32.41%  10,687  27.00%  Low
    Travel insurance (any - purchased in past 2 years)  27.20%  9,400  23.75%  Low
    Other insurance  5.27%  1,672  4.22%  Low
Insurance Switch        
    Automobile insurance - switched in past 2 years  6.64%  2,706  6.84%  Similar
    Group health/disability insurance - switched in past 2 years  2.24%  730  1.84%  Low
    Group life insurance - switched in past 2 years  1.25%  459  1.16%  Similar
    Home insurance - switched in past 2 years  4.27%  1,477  3.73%  Low
    Mortgage insurance - switched in past 2 years  0.46%  87  0.22%  Extremely Low
    Pet insurance - switched in past 2 years  0.05%  32  0.08%  High
    Private disability/health insurance - switched in past 2 years  0.74%  241  0.61%  Low
    Private life insurance - switched in past 2 years  0.69%  264  0.67%  Similar
    Travel insurance (any) - switched in past 2 years  1.02%  290  0.73%  Low
    Other insurance - switched in past 2 years  0.18%  81  0.20%  High
 
This report is based on the data product "Consumer Behavioural and Product Usage 2017" developed by Manifold Data Mining Inc with the Numeris RTS survey data. No confidential information about an individual, household, organization or business has been obtained from Numeris Canada.
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